CareWell Urgent Care Card on File Payment Policy
Dear Valued Patient,
CareWell Urgent Care is always seeking ways to improve our efficiency and service as the area’s leading urgent care provider. Recently we have instituted a new “credit card on file” (CCOF) system to allow smoother transactions and billing for your visits. Here is an overview of how CCOF will work:
CCOF will take only a few simple steps to sign up. At your visit, you will swipe your credit card of choice and sign the pre-authorization to save the card on file. A copy of the signed form can then be scanned and given to you or emailed for your records. It’s that simple! Your credit card information will be safely held on a secure, encrypted gateway site. No financial information will be available to our staff, held in our system, or at our office.
Co-pays will still be collected at each visit (please see your health card or contact your insurer for co-pay amount as these differ by plan) and can be paid in any manner you choose at that time. If you have insurance contracted with CareWell Urgent Care, we will submit your claim for you as usual. In approximately 1-3 weeks, you should receive an explanation of benefits (EOB) from your insurer that outlines what part of your service has been covered by your insurance and reveal exactly how much remains your responsibility to pay to our center for services rendered. We will also receive a copy of your EOB from your insurer and will charge your credit card on file with the amount due as indicated within 2-3 business days of receipt. If there is no balance due, your card is not charged. A copy of the receipt can be emailed to you at the email address provided to CareWell Urgent Care at time of registration, or you can request a printed receipt from any front desk staff.
CCOF is a rapidly growing trend in the healthcare industry. This year with the Affordable Care Act, Health Exchange, and significant increase in patient insurance deductibles, we have found it necessary to implement this policy.
If you have any questions about CCOF, please do not hesitate to contact us at firstname.lastname@example.org and someone will respond within 24-48 hours.
Why are you changing your payment policy?
Credit card on file (CCOF) is a rapidly growing trend in the healthcare industry. Its purpose is to guarantee payment for services rendered that may not be completely covered by insurance including services applied to a patient’s deductible.
But I always pay my bills, why me?
We understand that most of our patients pay their balances in a timely manner. Unfortunately, this is not always the case, and neglected balances for services already rendered affect the cost of health care for all. This system will streamline billing for our patients and help keep administrative costs down for us.
How will I know how much you are going to charge me?
You will receive an Explanation of Benefits (EOB) in the mail from your insurance carrier that explains how much of your visit or service they pay and how much you pay. This EOB tells you exactly, according to your health insurance coverage, how much of your health care bill is covered by your insurance and how much you owe to the center.
We receive the same EOB that you do. It arrives approximately 20-30 days after your appointment. As always, we look at each EOB carefully and determine what your insurance has determined as patient responsibility. Instead of sending you a bill, we will now charge your credit card on file for the patient responsibility amount and email you a receipt at the email address provided to CareWell at the time of registration.
How can I trust that you will keep my credit card information safe?
We do not keep any credit card information on file in the centers, head office, or any computers within. We use a secure, encrypted gateway site that is completely compliant as required by law.
What if I need to dispute my bill?
We will always work with you to understand if there has been a mistake and we will refund your card if we have made a billing error. We will only charge the amount that we are instructed to by your insurance carrier, in the EOB they send to us, in the same way that we normally determine how much to send you a bill for in the mail. If you have any questions about your coverage, please contact your insurer upon receipt of your EOB. If you have questions about your bill, please call our billing department at 1-800-385-0445.
What if I don’t have a credit card?
You are welcome to leave a debit card or Health Savings Account (HSA) card.